Call reports 2016
FAIRPORT SAVINGS BANK — 2016
What FAIRPORT SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 256,510,000 | 278,685,000 | 256,866,000 | 270,840,000 |
| Total loans | 210,470,000 | 217,115,000 | 220,079,000 | 229,241,000 |
| Allowance for loan losses | 855,000 | 900,000 | 945,000 | 990,000 |
| Securities available for sale | 19,117,000 | 18,746,000 | 17,652,000 | 17,747,000 |
| Securities held to maturity | 9,556,000 | 7,806,000 | 6,369,000 | 7,420,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,589,000 | 211,833,000 | 178,528,000 | 182,934,000 |
| Interest-bearing deposits | 181,026,000 | 178,886,000 | 171,223,000 | 174,511,000 |
| Noninterest-bearing deposits | 6,563,000 | 32,947,000 | 7,305,000 | 8,423,000 |
| Equity capital | 20,360,000 | 20,568,000 | 28,197,000 | 28,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,378,000 | 4,808,000 | 7,344,000 | 9,883,000 |
| Interest expense | 546,000 | 1,092,000 | 1,606,000 | 2,156,000 |
| Net interest income | 1,832,000 | 3,716,000 | 5,738,000 | 7,727,000 |
| Noninterest income | 555,000 | 1,257,000 | 2,205,000 | 3,047,000 |
| Noninterest expense | 2,261,000 | 4,634,000 | 7,224,000 | 9,300,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 81,000 | 249,000 | 620,000 | 1,330,000 |
| Income tax | -8,000 | 30,000 | 120,000 | 323,000 |
| Net income | 89,000 | 219,000 | 500,000 | 1,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,018,000 | 20,119,000 | 27,726,000 | 28,274,000 |
| Total capital | 20,873,000 | 21,019,000 | 28,671,000 | 29,264,000 |
| Risk-weighted assets | 141,161,000 | 147,970,000 | 151,706,000 | 158,607,000 |